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So you're asserting that now is good value, relative to when you're 65. That's timing.


Not at all. Buying and selling on a fixed schedule regardless of the price of the asset is absolutely not timing.

Let me take the Investopedia definition[1]: "Market timing is the act of moving investment money in or out of a financial market—or switching funds between asset classes—based on predictive methods. Market timing is the opposite of a buy-and-hold strategy, where investors buy securities and hold them for a long period, regardless of market volatility." (emphasis mine)

[1]: https://www.investopedia.com/terms/m/markettiming.asp




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